Direct answer: The best car insurance companies for you are the ones licensed in your state that pay claims fairly at a price you can live with. No single insurer wins for every driver. Compare at least three quotes for the same coverage, then check each company’s complaint record on the NAIC website before you
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Direct answer: An extended vehicle warranty is an optional service contract, not a true warranty. You never have to buy one to get a car loan, and the price is usually open to haggling. Most contracts can be canceled later for a full or partial refund, so read the exclusions and the refund terms before
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Direct answer: How much car insurance do I need? You need enough liability coverage to pay for the damage you could cause in a bad crash, and that is usually much more than your state’s minimum. You also need collision and comprehensive coverage if your loan requires them or if your car is worth well
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Direct answer: To dispute fault in a car accident, ask the insurer in writing to explain its fault decision. Then send back your own evidence and a short written account of what happened. If the insurer still says no, you can complain to your state insurance department or talk to a licensed attorney in your
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Direct answer: Are dash cams worth it? For most drivers who commute or park on the street, yes. A dash cam is a cheap witness that can show who caused a crash, and that can keep a claim from landing on your record. Don’t buy one expecting a premium discount, though. Each insurer sets its
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Direct answer: You can get auto loans for bad credit from credit unions, banks, online lenders and car dealers. You will usually pay a higher rate, and the deal often comes with extras that raise the cost. Get a loan offer from a bank or credit union before you shop, then judge every deal by
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Direct answer: Auto insurance for seniors often gets cheaper after age 55 if you finish a mature driver course, and some states, including Florida and California, write that discount into law. Each insurer sets the size of the discount, so you have to ask for it. Shopping for quotes and picking the right deductible can
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Direct answer: A vehicle service contract is an optional repair plan that you pay extra for. It is not your factory warranty, and it often leaves out wear items and routine maintenance. You can say no or shop it somewhere else, and in many cases you can cancel later for a partial refund. Repair bills
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Direct answer: When you refinance car loan debt, a new lender pays off your old loan and you start paying on a new one. You save money when the new rate is lower and you keep the payoff date about the same. A lower monthly payment alone does not prove you are saving. As of
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Direct answer: Do I need a lawyer for a car accident? Not always. If the crash only damaged cars and nobody was hurt, you can often handle the claim yourself. If someone was hurt, or the insurer is fighting you on fault, talk to a licensed attorney in your state before you sign anything. NHTSA
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